Mortgages Custom Built for
Ontario Business Owners
As a self-employed business owner, your tax strategy is designed to minimize your net taxable income. Unfortunately, traditional commercial retail banks evaluate your eligibility solely based on line 15000 of your Notice of Assessment (NOA), rejecting business owners with robust businesses because their personal taxable income appears artificially low.
Business for Self (BFS) Programs
We gain access to specialized stated-income programs that verify your borrowing capacity based on real corporate bank statements and overall cash flow, rather than net tax returns.
Flexible Verification
Prove income using 6-12 months of active business statements, corporate contracts, and industry benchmarks, bypassing strict traditional NOA requirements.
Qualified Mortgage Pre-Approval
What is your primary financing goal?
Select one option to customize your rate matrix.
How to Qualify Under Self-Employed BFS Programs
1. Verify Business Standing
Typically, you need to show that your business has been actively registered or incorporated in Ontario for at least two years (articles of incorporation or master business license).
2. Prove Clean Credit History
Strong personal credit history (scores above 680) is highly valued in stated-income programs to assure alternative underwriters of structural debt-service compliance.
3. Leverage Cash Reserves
A minimum down payment of 10% to 20% (depending on property values and transaction parameters) allows underwriters to quickly approve stated BFS assets.